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Do you have any exams coming up? <a href=" http://www.barberinovaldelsa.net/stemma-e-gonfalone#miracle ">cheap viagro</a> Similar issues exist abroad. Australia and Switzerland force their citizens to save a large share of their income, but then don’t provide many requirements about spending down the money. Culture, history and some light tax incentives play an important role. In Australia, more than 70 percent of non-public employees take large lump-sum withdrawals from their retirement accounts. They spend some of it and manage their drawdowns themselves. If Australian retirees run out of money they can claim a means-tested state pension, which most Australians live on. Switzerland experienced the opposite result; more than 80 percent of Swiss retirees annuitize their pension accounts.